Two types of accounts are offered as qualified Individual Retirement Accounts, an IRA Statement Savings account or an IRA Certificate of Deposit. IRS rules and regulations also apply to these accounts.

IRA Statement Savings
A minimum deposit of $10.00 is required to open and credit interest. The following conditions apply:

• Interest compounded daily and credited quarterly
• $10.00 minimum average daily balance to avoid the $3.00 monthly maintenance fee
• Variable interest rate
• No term, no penalty for early withdrawal (IRS penalties may apply)
• Deposits may be made at any time (IRS rules apply)

See the Rate Schedule for current interest rates.

See the Fee Schedule for other fees that may apply. Fees may change subject to a 30 day notice to accountholders. Please read the following disclosures prior to opening an account:

Truth in Savings Statement | ATM cardholder Agreement | Electronic Funds Transfer Policy |Funds Availability Policy | Internet Banking Access Agreement |Deposit Account Agreement

Personal Free Checking |  Money Market | Statement Savings | Certificates of Deposit |  Business Checking | Commercial Checking | Personal Interest Checking | IRA Certificate of Deposit | Education Savings Account